| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROCTOR AND CO. INS. AGENCY, INC.3 | 205 NEWBURY STREET, SUITE 407 FRAMINGHAM, MA 01701 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $31K | $0 | $31K | 2.91% |
| PROCTOR AND CO. INS. AGENCY, INC.3 | 400 TRADE CENTER, SUITE 5900 WOBURN, MA 01801 | DELTA DENTAL OF MASSACHUSETTS | $4K | $0 | $4K | 3.85% |
| EASTERN STATES INS. AGENCY, INC.3 | 50 PROSPECT STREET WALTHAM, MA 02453 | DELTA DENTAL OF MASSACHUSETTS | $342 | $0 | $342 | 0.31% |
| PROCTOR AND CO. INS. AGENCY, INC.3 | 180 WELLS AVENUE, SUITE 301A NEWTON CENTER, MA 02459 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 7.94% |
| PROCTOR AND CO. INS. AGENCY, INC.3 | 205 NEWBURY STREET, SUITE 407 FRAMINGHAM, MA 01701 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $856 | $0 | $856 | 9.71% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 170 | $1.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 245 | $111K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 75 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 59 | $97K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 59 | $97K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 59 | $97K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 170 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 59 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.